What I would have liked to explain is that our insured was given a breath test at the scene of the accident, meaning that there is a chance that they may have been driving under the influence.

Now, since accidents caused while driving under the influence are specifically excluded in our product disclosure statement, if our insured has done so we will not be covering this claim.

As such, until the results of the breath test are known, we are not approving this claim, and since we are not yet at a stage where the claim is approved or these results are known, we are not willing to pay the hire car costs for you up front.

Should we approve the claim, any hire vehicle cost you have incurred up to that point will be reimbursed to you providing they are fair and reasonable costs. If on the other hand we decline the claim we would not be obliged to pay any hire vehicle costs whatsoever, meaning you would be in the same position as you are right now, having to pay up front then settle your demands directly with our insured.

So, as a reasonable person I’m sure you would agree that if you were in our position, you would also refuse to cover any costs that relate to an incident if it were likely or even possible that the claim could be declined, at least until you had a chance to investigate matters.

But no, instead of being reasonable you instead decide to swear and yell abuse down the phone line and abruptly hang up.

Thanks for sharing the beauty of your personality under pressure, you’ve enriched my day…